> The State of AI in Insurance 2026

Most AI reports tell you adoption is rising and transformation is coming. That is not the useful part.

> You’ll leave with a clearer view of how insurers can turn AI and data into measurable business value

What you will get from the report

✅ a clear stock-take of how AI is being used across the insurance value chain, with a focus on the areas where stronger data foundations can unlock better commercial outcomes.

✅ a grounded view of how insurers can realize ROI from their data, not just by “doing AI,” but by making underwriting, claims, fraud, retention and service workflows more data-driven, usable and measurable.

✅ the strongest stats and research points on adoption momentum, governance pressure, operational risk and pilot failure, pulled into one place so your team can stop guessing and start prioritizing.

✅ a sharper understanding of where underwriting still relies too heavily on individual judgment, where valuable data sits unused inside workflows, and why insurers that operationalize data more effectively are in a stronger position.

✅ a practical checklist for escaping AI pilot purgatory, including the workflow, data, governance and measurement issues that need to be fixed before AI can scale.

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> Why this matters to CFOs, CDOs and transformation leaders?

This report is for insurance leaders who are tired of broad AI hype and want something more operational.

  • A large share of AI initiatives still fail to generate meaningful returns, and many organisations still do not measure success properly. That is not just a technology problem. It is a capital allocation problem.

  • This report helps leaders separate high-potential use cases from expensive distractions. It shows where AI is already producing stronger ROI signals.

  • The message is not “be afraid of AI.”

  • The message is: be afraid of wasting money on AI without the data foundations, controls and operating model needed to make it work.